Ka Wai Ola - Office of Hawaiian Affairs, Volume 22, Number 8, 1 ʻAukake 2005 — Page 15 Advertisements Column 1 [ADVERTISEMENT]

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Want to see your dreams of home ■ffTf9jnfnH attractive low rates without having remodeling, education or travel take to own a home. The entire process shape? Simply apply for a Bankoh 0 00% /C 0 C% 0R 70 C% 1 f \ O 0/ iS ^ast anc* easy' ta^ing as iittie as ^ HomeEquitylineor Personal FlexLine J,jj apr UiZJapr /iZ Japr J,JJapr minutes from application to getting tndav At Rank nf Hawaii we've F0RFIRST6 CURRENT FULLY INDEXED a dccision To aDolv simolv visit anv toaay. At eanK or nawan, weve months» variablerateasof 7/5/05 forfirst6MONTHS« a uecisiun. 10 appiy, simpiy visn auy mastered the fine art of combining Bank of Hawaii branch, log on to the highest level of customer service with incredibly low rates. Our boh.com or eall 877-2-BANKOH. And see the possibilities unfold. jlat's Bankoh Home EquityLine allows you to borrow more of bank. . the equity in your home than most other loeal banks. And i P-^ g_ M* W W « •• jl our Personal FlexLine lets you take advantage of these ^ll LjdllR. ^JT n(llwQll

rThe Bankoh Home EquityLine introductory Annual Percentage Rate (APR) of 3.99% will be effective for the first six months for new Home EquityLine applications received between August 1 , 2005 - September 18, 2005. After the six-month introductory )eriod, the APR will be equal to the Prime Rate, published daily in The Wall Street Journal, plus a margin and may vary at any time. Your margin will be determined by your credit history and your property's loan value. The current non-introductory fully ndexed variable APR as of July 5, 2005 for lines secured by owner-occupied fee simple properties with loan to value < 80% is 6.25% or 7.25%. Your FIC0 score must be > 650 to be eligible for this offer. 0ther fully indexed APR's are available for lines >ecured by leasehold, second home and investor properties and/or with LTV > 80%. The APR may vary at any time. The maximum APR that ean apply is 24%. Your minimum monthly payments may not be sufficient to fully repay the phneipal that is out>tanding on your line. If they are not, you will be required to pay the entire outstanding balance in a single payment at the end of your draw period. The annual fee of $50 is waived for the first year. To open the EquityLine, you will be required to pay a docjmen1ation fee of $1 25. Payment to third parties of certain fees, whieh generally total between $0.00 and $1 ,700.00, may be required at closing. Property values greater than $700,000 may have higher fees. If your property is held in trust, you may be equired to pay us a trust review fee of $75. Verification of flood insurance may be required. Bankoh Home EquityLines are available only as a first or second lien. Any existing loans secured by junior liens must be paid off and may be paid by an initial iraw from the new line of credit. Property that will secure your Bankoh Home EquityLine must be located in the State of Hawaii. You must also maintain fire and humieane insurance on the property that secures the EquityLine. **The Personal FlexLine introiuctory Annual Percentage Rate (APR) of 3.99 % is effective for the first six months for new applications received between August 1 , 2005 - September 1 8, 2005. After the six-month introductory period, the variable APR will be equal to the Prime 1ate published daily in the Wall Street Journal, plus a margin and may vary at any time. Your margin will be determined by your credit history. The current non-introductory fully indexed variable APR as of July 5, 2005 range from 8.25% to 1 = 1 1 5.50%. The APR may vary at any time. The annual fee of $50 is waived for the first year. The introductory rate does not apply to existing Home Equity and Personal FlexLine customers. ©2005 Bank of Hawaii Member FDIC boh.com lēhd~r